{"id":198673,"date":"2026-09-01T16:58:05","date_gmt":"2026-09-01T20:58:05","guid":{"rendered":"https:\/\/usprimerealty.com\/?p=198673"},"modified":"2026-09-02T17:25:14","modified_gmt":"2026-09-02T21:25:14","slug":"100-percent-financing-for-doctors-in-florida","status":"publish","type":"post","link":"https:\/\/usprimerealty.com\/100-percent-financing-for-doctors-in-florida\/","title":{"rendered":"Physician Mortgage Loans in Florida: Homebuying Guide"},"content":{"rendered":"<style type=\"text\/css\">\/* animate faq *\/ :root { interpolate-size: allow-keywords; } details::details-content { block-size: 0; overflow: hidden; opacity: 0; transform: translateY(-10px); will-change: opacity, transform; transition: block-size 0.3s ease-out, opacity 0.25s ease-out, transform 0.25s ease-out, content-visibility 0.3s ease-out allow-discrete; } details[open]::details-content { block-size: auto; opacity: 1; transform: translateY(0); }<\/style>\n<style type=\"text\/css\">#single-header{position:relative!important;aspect-ratio:1920\/640!important;height:auto!important;min-height:0!important;background-image:url(\"https:\/\/usprimerealty.com\/wp-content\/uploads\/2026\/09\/physician-mortgage-loans-florida-hero-banner-3x1-1.webp\")!important;background-size:cover!important;background-color:#F8F7F4!important;background-position:center center!important;background-repeat:no-repeat!important;border-bottom:4px solid #cc9d4b!important}#single-header h1,#single-header .single-title,#single-header .entry-title,#single-header .post-title{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}@media(max-width:900px){#single-header{aspect-ratio:3\/2!important;background-image:url(\"https:\/\/usprimerealty.com\/wp-content\/uploads\/2026\/09\/physician-mortgage-loans-florida-homebuying-guide.webp\")!important}}\n.uspr-dr26,.uspr-dr26 *{box-sizing:border-box}.uspr-dr26{overflow-wrap:break-word}.uspr-dr26 img{max-width:100%!important;height:auto!important}.uspr-dr26 figure{width:100%!important;max-width:100%!important;margin-left:0!important;margin-right:0!important}.uspr-dr26 a{color:#0B2340;text-underline-offset:2px}.uspr-dr26 a:hover{color:#8a6014}.uspr-dr26 .uspr-toc a{text-decoration:none}.uspr-dr26 .uspr-toc a:hover{text-decoration:underline}.uspr-dr26 table{border-collapse:collapse;width:100%;min-width:560px}.uspr-dr26 .uspr-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}.uspr-dr26 summary{display:block;position:relative;list-style:none;cursor:pointer}.uspr-dr26 summary::-webkit-details-marker{display:none}.uspr-dr26 summary::marker{content:\"\"}.uspr-dr26 details{transition:border-color .2s ease,box-shadow .2s ease}.uspr-dr26 details:hover{border-color:#c9d6e4 !important}.uspr-dr26 .uspr-faq-toggle{position:absolute;right:20px;top:50%;transform:translateY(-50%);transition:transform .2s ease,background .2s ease,color .2s ease}.uspr-dr26 details[open] .uspr-faq-toggle{color:#fff!important;background:#061c38!important;transform:translateY(-50%) rotate(45deg)!important}.uspr-dr26 .uspr-cta-btn:hover{background:#b8913f}@media(min-width:768px) and (max-width:1024px){.uspr-dr26{padding:38px 32px 44px!important;font-size:17.5px!important}.uspr-dr26>p,.uspr-dr26>ul>li,.uspr-dr26>ol>li{font-size:17.5px!important}.uspr-dr26>p.uspr-lede{font-size:19px!important}.uspr-dr26 h2{font-size:29px!important}.uspr-dr26 h3{font-size:22px!important}}@media(max-width:767px){.uspr-dr26{width:calc(100% - 16px)!important;margin:-26px auto 0!important;padding:26px 16px 34px!important;border-radius:20px 20px 0 0!important;font-size:16.5px!important;line-height:1.72!important}.uspr-dr26>p,.uspr-dr26>ul>li,.uspr-dr26>ol>li{font-size:16.5px!important;line-height:1.72!important}.uspr-dr26>p.uspr-lede{font-size:18px!important;line-height:1.6!important}.uspr-dr26>ul,.uspr-dr26>ol{padding-left:20px!important}.uspr-dr26 h2{font-size:clamp(21px,5.6vw,25px)!important;line-height:1.24!important;margin:32px 0 12px!important}.uspr-dr26 h3{font-size:clamp(17.5px,4.6vw,20px)!important;line-height:1.32!important;margin:24px 0 10px!important}.uspr-dr26 figcaption{font-size:13px!important;line-height:1.5!important}.uspr-dr26 .uspr-toc{padding:18px 16px!important;border-radius:14px!important}.uspr-dr26 .uspr-toc ul{padding-left:18px!important}.uspr-dr26 .uspr-toc a{font-size:15.5px!important}.uspr-dr26 .uspr-note{padding:18px 16px!important}.uspr-dr26 .uspr-note p{font-size:15.5px!important;line-height:1.68!important}.uspr-dr26 .uspr-cols{display:block!important}.uspr-dr26 .uspr-card{width:100%!important;margin-bottom:12px!important;padding:18px 16px!important}.uspr-dr26 .uspr-faq-toggle{right:12px!important;width:30px!important;height:30px!important;min-width:30px!important;font-size:19px!important}.uspr-dr26 summary{padding:16px 50px 16px 15px!important;font-size:17px!important;line-height:1.35!important}.uspr-dr26 .uspr-faq-answer{padding:0 15px 18px!important}.uspr-dr26 .uspr-faq-answer p{font-size:16px!important;line-height:1.7!important}.uspr-dr26 .uspr-cta{padding:24px 16px!important;border-radius:18px!important}.uspr-dr26 .uspr-cta h2{font-size:22px!important;margin:0 0 10px!important}.uspr-dr26 .uspr-cta p{font-size:16px!important;line-height:1.68!important}.uspr-dr26 .uspr-cta-btn{display:block!important;width:100%!important;text-align:center!important;padding:15px 18px!important;font-size:16px!important}.uspr-dr26 table{font-size:14px!important;min-width:520px!important}.uspr-dr26 table th,.uspr-dr26 table td{padding:11px 12px!important}.uspr-dr26 .uspr-scroll{border-radius:12px!important}}<\/style>\n<div class=\"uspr-dr26\" style=\"position:relative;z-index:5;width:calc(100% - 32px);max-width:1160px;margin:-48px auto 0;padding:clamp(34px,5vw,68px);overflow:hidden;color:#10233f;background:radial-gradient(circle at 100% 0%,rgba(214,168,79,.11),transparent 280px),#ffffff;border:1px solid rgba(6,28,56,.08);border-radius:30px 30px 0 0;box-shadow:0 28px 70px rgba(6,28,56,.14);font-size:18px;line-height:1.78;\">\n<h1 style=\"position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);clip-path:inset(50%);white-space:nowrap;border:0;\">Doctor in Florida Can Buy a Home With Up to 100% Financing &mdash; Here&rsquo;s How<\/h1>\n<p style=\"margin:0 0 22px;\"><span style=\"display:inline-block;background:linear-gradient(135deg,#fff9eb,#f5e4c0);border:1px solid #ead3a7;color:#8a6014;font-family:Georgia,'Times New Roman',serif;font-size:12.5px;font-weight:850;letter-spacing:.14em;text-transform:uppercase;padding:8px 16px;border-radius:999px;\">Florida Physician Home Financing<\/span><\/p>\n<p class=\"uspr-lede\" style=\"font-size:20.5px;line-height:1.7;color:#22364f;margin:0 0 20px;\">What if the years you invested in medicine did not have to delay owning a home? <strong>100% financing for doctors in Florida<\/strong> exists: qualifying physicians can access it on loans up to $1 million, while low-down-payment physician options may reach <strong>$2 million<\/strong> &mdash; both subject to lender approval.<\/p>\n<p style=\"margin:0 0 20px;\">Doctors, dentists, medical residents, nurse practitioners and physician assistants often begin their careers with strong earning potential but limited savings, substantial education debt, or a start date that has not arrived yet. Conventional underwriting tends to read that profile as risk. Physician and professional mortgage programs were built to read it as promise.<\/p>\n<p style=\"margin:0 0 30px;\">This guide explains how physician mortgage loans in Florida work, who may qualify, how the no-PMI and student-debt provisions differ between lenders, and what to check before you accept any offer. When you are ready to look at homes, our <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/usprimerealty.com\/buy\/buying-a-home-in-florida\/\">Florida homebuying guide<\/a> picks up where the financing conversation ends.<\/p>\n<div class=\"uspr-toc\" style=\"background:#f6f9fc;border:1px solid #e2e9f0;border-radius:18px;padding:26px 28px;margin:0 0 34px;\">\n<p style=\"font-family:Georgia,'Times New Roman',serif;font-size:12.5px;font-weight:850;letter-spacing:.13em;text-transform:uppercase;color:#8a6014;margin:0 0 14px;\">What is in this guide<\/p>\n<ul style=\"margin:0;padding-left:20px;font-size:16.5px;line-height:1.6;\">\n<li style=\"margin:0 0 7px;\"><a style=\"box-sizing:border-box;color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"#headline-benefit\">The headline benefit, stated accurately<\/a><\/li>\n<li style=\"margin:0 0 7px;\"><a style=\"box-sizing:border-box;color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"#what-is-it\">What a physician mortgage loan actually is<\/a><\/li>\n<li style=\"margin:0 0 7px;\"><a style=\"box-sizing:border-box;color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"#who-qualifies\">Who may qualify<\/a><\/li>\n<li style=\"margin:0 0 7px;\"><a style=\"box-sizing:border-box;color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"#benefits\">The four potential benefits<\/a><\/li>\n<li style=\"margin:0 0 7px;\"><a style=\"box-sizing:border-box;color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"#requirements\">Requirements, and what to ask each lender<\/a><\/li>\n<li style=\"margin:0 0 7px;\"><a style=\"box-sizing:border-box;color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"#vs-conventional\">Physician loan vs. conventional mortgage<\/a><\/li>\n<li style=\"margin:0 0 7px;\"><a style=\"box-sizing:border-box;color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"#compare-offers\">How to compare offers properly<\/a><\/li>\n<li style=\"margin:0 0 7px;\"><a style=\"box-sizing:border-box;color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"#right-home\">From loan options to the right Florida home<\/a><\/li>\n<li style=\"margin:0;\"><a style=\"box-sizing:border-box;color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"#faq\">Frequently asked questions<\/a><\/li>\n<\/ul>\n<\/div>\n<h2 id=\"headline-benefit\" style=\"font-family:Georgia,'Times New Roman',serif;font-size:34px;line-height:1.22;font-weight:bold;color:#0B2340;margin:44px 0 16px;\">The Headline Benefit: 100% Financing for Doctors in Florida &mdash; and Options Up to $2 Million<\/h2>\n<p style=\"margin:0 0 20px;\">The strongest hook is also the one that needs the clearest wording. <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/www.regions.com\/personal-banking\/home-loans\/mortgage\/home-loan-options\/physicians-emerging-professionals\" target=\"_blank\" rel=\"noopener nofollow\">Regions Bank currently advertises physician options<\/a> with no down payment for loans up to $1 million, and low-down-payment options at higher amounts up to $2 million.<\/p>\n<figure style=\"margin:30px 0;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/usprimerealty.com\/wp-content\/uploads\/2026\/09\/physician-mortgage-financing-tiers-1-million-2-million.webp\" width=\"1200\" height=\"675\" loading=\"lazy\" alt=\"Physician mortgage financing tiers in Florida: 100% financing for doctors in Florida up to $1 million\" style=\"width:100%;height:auto;border-radius:16px;display:block;\" title=\"\"><figcaption style=\"font-size:13.5px;color:#5b6b7d;margin-top:10px;line-height:1.55;\">The two tiers are separate, not cumulative. Reaching the higher amount generally means putting money down.<\/figcaption><\/figure>\n<p style=\"margin:0 0 20px;\">Read those two tiers as separate, because they are. It does not mean every physician automatically receives a $2 million mortgage with nothing down. Loan size, financing percentage, rate, required reserves, credit profile, property type and underwriting all shift the outcome, and they shift it per borrower.<\/p>\n<div class=\"uspr-note\" style=\"background:#f6f9fc;border-left:4px solid #C8A24B;border-radius:0 14px 14px 0;padding:22px 26px;margin:0 0 26px;\">\n<p style=\"margin:0;font-size:17px;line-height:1.7;color:#22364f;\"><strong style=\"color:#0B2340;\">Quick answer:<\/strong> A qualifying doctor may find 100% financing up to $1 million, while low-down-payment borrowing may reach $2 million under certain programs. All financing is subject to lender approval and program terms.<\/p>\n<\/div>\n<h2 id=\"what-is-it\" style=\"font-family:Georgia,'Times New Roman',serif;font-size:34px;line-height:1.22;font-weight:bold;color:#0B2340;margin:44px 0 16px;\">What Is a Physician Mortgage Loan?<\/h2>\n<p style=\"margin:0 0 20px;\">A physician mortgage loan &mdash; sometimes called a doctor loan &mdash; is a residential mortgage designed around the financial profile of eligible medical professionals. The borrower may have high future earning power, a signed employment contract, and a debt load that looks alarming on a standard application but reflects training rather than trouble.<\/p>\n<p style=\"margin:0 0 20px;\">Depending on the lender, a doctor home loan in Florida may offer a low or zero down payment, no borrower-paid PMI, the ability to close near the start of a new position, or an alternative approach to student debt in the debt-to-income calculation.<\/p>\n<p style=\"margin:0 0 26px;\">One thing to keep in mind throughout: these are <strong>lender-specific portfolio products, not one standardised government programme<\/strong>. There is no single set of national rules to look up. The <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/www.consumerfinance.gov\/owning-a-home\/\" target=\"_blank\" rel=\"noopener\">Consumer Financial Protection Bureau&rsquo;s mortgage portal<\/a> is a useful independent reference for the loan process generally.<\/p>\n<h2 id=\"who-qualifies\" style=\"font-family:Georgia,'Times New Roman',serif;font-size:34px;line-height:1.22;font-weight:bold;color:#0B2340;margin:44px 0 16px;\">Who May Qualify for Medical Professional Home Loans?<\/h2>\n<figure style=\"margin:30px 0;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/usprimerealty.com\/wp-content\/uploads\/2026\/09\/who-may-qualify-physician-mortgage-loans-florida.webp\" width=\"1200\" height=\"675\" loading=\"lazy\" alt=\"Professionals who may qualify for medical professional home loans\" style=\"width:100%;height:auto;border-radius:16px;display:block;\" title=\"\"><figcaption style=\"font-size:13.5px;color:#5b6b7d;margin-top:10px;line-height:1.55;\">Eligibility is set by each lender. Appearing on this list does not mean identical terms &mdash; ask which product applies to your exact licence.<\/figcaption><\/figure>\n<p style=\"margin:0 0 18px;\">Eligibility varies substantially between lenders. Many traditional doctor-loan programmes focus on physicians and dentists, while broader professional or emerging-professional products may include additional licences. Commonly eligible groups include:<\/p>\n<ul style=\"margin:0 0 20px;padding-left:22px;font-size:17px;line-height:1.75;\">\n<li style=\"margin:0 0 8px;\">Medical doctors and doctors of osteopathic medicine (MD and DO)<\/li>\n<li style=\"margin:0 0 8px;\">Dentists, including DDS and DMD borrowers under qualifying programmes<\/li>\n<li style=\"margin:0 0 8px;\">Medical residents, interns and fellows under programme-specific rules<\/li>\n<li style=\"margin:0 0 8px;\">Podiatrists and optometrists under certain lender programmes<\/li>\n<li style=\"margin:0 0 8px;\">Nurse practitioners and certified registered nurse anaesthetists under select professional programmes<\/li>\n<li style=\"margin:0;\">Physician assistants under select emerging-professional or professional mortgage programmes<\/li>\n<\/ul>\n<p style=\"margin:0 0 20px;\"><a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/www.flagstar.com\/personal\/borrow\/home-loans\/professional-loans.html\" target=\"_blank\" rel=\"noopener nofollow\">Flagstar&rsquo;s published professional mortgage eligibility list<\/a> includes physician assistants, registered nurses, nurse anaesthetists and nurse practitioners alongside several doctor-level professions.<\/p>\n<div class=\"uspr-note\" style=\"background:#fff9eb;border:1px solid #ead3a7;border-radius:14px;padding:22px 26px;margin:0 0 26px;\">\n<p style=\"margin:0;font-size:17px;line-height:1.7;color:#22364f;\">The practical lesson: <strong style=\"color:#0B2340;\">do not assume an NP or PA receives the same maximum financing, down payment or student-debt treatment as an MD, DO or dentist.<\/strong> Ask the lender to name the exact product your licence qualifies for, and to put its terms in writing.<\/p>\n<\/div>\n<h2 id=\"benefits\" style=\"font-family:Georgia,'Times New Roman',serif;font-size:34px;line-height:1.22;font-weight:bold;color:#0B2340;margin:44px 0 16px;\">Potential Benefits of a Physician Loan<\/h2>\n<h3 style=\"font-family:Georgia,'Times New Roman',serif;font-size:24px;line-height:1.3;font-weight:bold;color:#0B2340;margin:30px 0 12px;\">No or Low Down Payment<\/h3>\n<p style=\"margin:0 0 20px;\">A low-down-payment programme may let an eligible borrower keep cash for reserves, moving costs, repairs or other goals. The tradeoff is real: a larger loan balance can mean a larger monthly payment and more total interest over the life of the loan. The CFPB&rsquo;s guidance on <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/www.consumerfinance.gov\/owning-a-home\/prepare\/determine-your-down-payment\/\" target=\"_blank\" rel=\"noopener\">determining your down payment<\/a> is worth reading before deciding how much to put in.<\/p>\n<p style=\"margin:0 0 18px;\">There is also a Florida-specific route worth knowing about, and it sits outside the physician programmes entirely. The state&rsquo;s <strong>Hometown Heroes<\/strong> programme offers down payment and closing cost assistance to eligible frontline workers, and nurses and healthcare professionals are named among them. Eligibility, funding and income limits are set by the state and can change, so confirm current terms before counting on it &mdash; but it is worth asking your lender whether you qualify for both.<\/p>\n<figure style=\"margin:34px 0;\">\n<div style=\"max-width:360px;margin:0 auto;\">\n<div style=\"position:relative;aspect-ratio:9\/16;border-radius:18px;overflow:hidden;background:#0B2340;box-shadow:0 18px 42px rgba(6,28,56,.20);\"><iframe style=\"position:absolute;top:0;left:0;width:100%;height:100%;border:0;\" title=\"Florida Hometown Heroes Program returns in 2026 - U.S. Prime Realty\" src=\"https:\/\/www.youtube-nocookie.com\/embed\/VL8XH8D066g?rel=0\" loading=\"lazy\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<\/div><figcaption style=\"font-size:13.5px;color:#5b6b7d;margin-top:10px;line-height:1.55;text-align:center;\">Watch: the Florida Hometown Heroes programme, which names nurses and healthcare professionals among its eligible buyers. U.S. Prime Realty, 69 seconds.<\/figcaption><\/figure>\n<h3 style=\"font-family:Georgia,'Times New Roman',serif;font-size:24px;line-height:1.3;font-weight:bold;color:#0B2340;margin:30px 0 12px;\">No Borrower-Paid PMI<\/h3>\n<p style=\"margin:0 0 20px;\">Some physician and professional mortgage programmes advertise no borrower-paid private mortgage insurance even with a smaller down payment. That removes one visible monthly cost &mdash; but it does not guarantee the loan is cheaper overall. The cost can be reflected in the rate or the fees instead, which is why the comparison further down matters.<\/p>\n<h3 style=\"font-family:Georgia,'Times New Roman',serif;font-size:24px;line-height:1.3;font-weight:bold;color:#0B2340;margin:30px 0 12px;\">Student-Loan Flexibility<\/h3>\n<p style=\"margin:0 0 20px;\">Some lenders may exclude qualifying deferred student debt from the debt-to-income calculation, or accept documented payments from an eligible income-driven repayment plan. <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/www.truist.com\/mortgage\/doctor-loan\" target=\"_blank\" rel=\"noopener nofollow\">Truist&rsquo;s doctor loan information<\/a> is one example of a published programme in this space. Treatment differs between lenders and must be confirmed for your situation.<\/p>\n<h3 style=\"font-family:Georgia,'Times New Roman',serif;font-size:24px;line-height:1.3;font-weight:bold;color:#0B2340;margin:30px 0 12px;\">Career-Stage Underwriting<\/h3>\n<p style=\"margin:0 0 26px;\">Certain programmes allow residents, fellows or doctors with a signed employment agreement to qualify before starting the new position. Documentation and timing requirements apply. Ask what start-date window the lender accepts, and what proof of employment it needs.<\/p>\n<h2 id=\"requirements\" style=\"font-family:Georgia,'Times New Roman',serif;font-size:34px;line-height:1.22;font-weight:bold;color:#0B2340;margin:44px 0 16px;\">Physician Mortgage Loan Requirements to Expect<\/h2>\n<figure style=\"margin:30px 0;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/usprimerealty.com\/wp-content\/uploads\/2026\/09\/physician-mortgage-loan-requirements-checklist.webp\" width=\"1200\" height=\"675\" loading=\"lazy\" alt=\"Physician mortgage loan requirements and application documents\" style=\"width:100%;height:auto;border-radius:16px;display:block;\" title=\"\"><\/figure>\n<p style=\"margin:0 0 18px;\">Requirements vary, but most borrowers should be ready to provide a professional licence or proof of qualifying status, an employment contract or income documentation, asset and reserve statements, and a credit profile that meets the programme&rsquo;s minimum.<\/p>\n<p style=\"margin:0 0 14px;\"><strong style=\"color:#0B2340;\">Ask every lender these eight questions before you apply:<\/strong><\/p>\n<ol style=\"margin:0 0 26px;padding-left:22px;font-size:17px;line-height:1.75;\">\n<li style=\"margin:0 0 8px;\">Is my exact profession and licence eligible?<\/li>\n<li style=\"margin:0 0 8px;\">What is the maximum loan amount and financing percentage for my category?<\/li>\n<li style=\"margin:0 0 8px;\">Is the loan fixed-rate or adjustable-rate, and how long is the initial period?<\/li>\n<li style=\"margin:0 0 8px;\">Is mortgage insurance waived, lender-paid, or reflected elsewhere in the pricing?<\/li>\n<li style=\"margin:0 0 8px;\">How will my student loans be calculated in the debt-to-income ratio?<\/li>\n<li style=\"margin:0 0 8px;\">What cash reserves, credit score and closing funds are required?<\/li>\n<li style=\"margin:0 0 8px;\">Are condominiums, new construction or specific Florida property types restricted?<\/li>\n<li style=\"margin:0;\">Can I review an official Loan Estimate before deciding?<\/li>\n<\/ol>\n<h2 id=\"vs-conventional\" style=\"font-family:Georgia,'Times New Roman',serif;font-size:34px;line-height:1.22;font-weight:bold;color:#0B2340;margin:44px 0 16px;\">Physician Mortgage vs. Conventional Mortgage<\/h2>\n<p style=\"margin:0 0 20px;\">A physician loan is not automatically the better deal simply because it offers no PMI or a smaller down payment. Compare it against conventional, FHA, VA or other eligible options using the actual numbers for your situation.<\/p>\n<div class=\"uspr-scroll\" style=\"margin:0 0 10px;border:1px solid #dfe6ed;border-radius:14px;\">\n<table style=\"border-collapse:collapse;width:100%;font-size:15.5px;\">\n<thead>\n<tr style=\"background:#0B2340;color:#ffffff;\">\n<th scope=\"col\" style=\"text-align:left;padding:14px 16px;font-family:Georgia,serif;font-weight:bold;\">Comparison<\/th>\n<th scope=\"col\" style=\"text-align:left;padding:14px 16px;font-family:Georgia,serif;font-weight:bold;\">Physician \/ professional loan<\/th>\n<th scope=\"col\" style=\"text-align:left;padding:14px 16px;font-family:Georgia,serif;font-weight:bold;\">Conventional mortgage<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom:1px solid #e8eef3;\">\n<td style=\"padding:13px 16px;font-weight:700;color:#0B2340;\">Down payment<\/td>\n<td style=\"padding:13px 16px;\">May offer low or no down payment<\/td>\n<td style=\"padding:13px 16px;\">Varies by programme and borrower<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e8eef3;background:#fafcfe;\">\n<td style=\"padding:13px 16px;font-weight:700;color:#0B2340;\">Mortgage insurance<\/td>\n<td style=\"padding:13px 16px;\">Some programmes advertise no borrower-paid PMI<\/td>\n<td style=\"padding:13px 16px;\">Often applies below 20% down<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e8eef3;\">\n<td style=\"padding:13px 16px;font-weight:700;color:#0B2340;\">Student debt<\/td>\n<td style=\"padding:13px 16px;\">May receive programme-specific treatment<\/td>\n<td style=\"padding:13px 16px;\">Calculated under standard guidelines<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e8eef3;background:#fafcfe;\">\n<td style=\"padding:13px 16px;font-weight:700;color:#0B2340;\">Rates and fees<\/td>\n<td style=\"padding:13px 16px;\">May be higher or structured differently<\/td>\n<td style=\"padding:13px 16px;\">Broad market of options<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:13px 16px;font-weight:700;color:#0B2340;\">Availability<\/td>\n<td style=\"padding:13px 16px;\">Limited by profession, lender and location<\/td>\n<td style=\"padding:13px 16px;\">Widely available to qualified borrowers<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"font-size:13.5px;color:#5b6b7d;margin:0 0 30px;line-height:1.55;\">General comparison only. Terms differ by lender, borrower profile and property.<\/p>\n<h2 id=\"compare-offers\" style=\"font-family:Georgia,'Times New Roman',serif;font-size:34px;line-height:1.22;font-weight:bold;color:#0B2340;margin:44px 0 16px;\">How to Compare Offers Without Getting Distracted by the Hook<\/h2>\n<figure style=\"margin:30px 0;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/usprimerealty.com\/wp-content\/uploads\/2026\/09\/comparing-physician-mortgage-loan-estimates.webp\" width=\"1200\" height=\"675\" loading=\"lazy\" alt=\"Comparing physician mortgage Loan Estimates\" style=\"width:100%;height:auto;border-radius:16px;display:block;\" title=\"\"><figcaption style=\"font-size:13.5px;color:#5b6b7d;margin-top:10px;line-height:1.55;\">The four lines worth comparing side by side. Ask each lender for these on an official Loan Estimate rather than a quote sheet.<\/figcaption><\/figure>\n<p style=\"margin:0 0 20px;\">Request comparable written offers and review them at the same loan size, rate structure and lock period. The CFPB&rsquo;s <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/www.consumerfinance.gov\/owning-a-home\/loan-estimate\/\" target=\"_blank\" rel=\"noopener\">Loan Estimate explainer<\/a> shows exactly where to find the interest rate, the monthly principal and interest, the cash to close, and the five-year cost on the standard form.<\/p>\n<p style=\"margin:0 0 26px;\">Pay particular attention to adjustable-rate terms. A lower introductory payment is attractive, but you need to know when the rate can change, what the adjustment caps are, and whether the payment could rise beyond what you would accept. On a 30-year commitment, the hook is the smallest part of the decision.<\/p>\n<h2 id=\"right-home\" style=\"font-family:Georgia,'Times New Roman',serif;font-size:34px;line-height:1.22;font-weight:bold;color:#0B2340;margin:44px 0 16px;\">From Loan Options to the Right Florida Home<\/h2>\n<p style=\"margin:0 0 20px;\">Financing is only half the decision. The right home also has to fit your commute, your call schedule, the healthcare corridor you work in, and your longer-term plans. Start by exploring the <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/usprimerealty.com\/communities\/\">Florida communities we serve<\/a>, then narrow the field with our <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/usprimerealty.com\/buy\/property-search\/\">Florida property search<\/a>.<\/p>\n<p style=\"margin:0 0 20px;\">U.S. Prime Realty is a licensed Florida real estate brokerage, <strong>not a mortgage lender<\/strong>. Our role is the real-estate side of the journey: identifying communities, arranging showings, advising on offers, and guiding the transaction to closing. Mortgage qualification and approval stay with the lender you choose. If you are buying for the first time, our <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/usprimerealty.com\/download-center\/your-first-home-complete-guide\/\">first-time homebuyer guide<\/a> and wider <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/usprimerealty.com\/resources\/\">buyer resources<\/a> are a good place to start.<\/p>\n<p style=\"margin:0 0 26px;\">Founder and broker <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/usprimerealty.com\/isbely-glazer-florida-real-estate-broker\/\">Isbely Glazer<\/a> built U.S. Prime Realty around local guidance and a client-first approach. For medical professionals balancing a demanding career with a major purchase, that matters more than it sounds &mdash; you can <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/usprimerealty.com\/contact-us\/agents\/\">meet the team here<\/a>.<\/p>\n<h2 style=\"font-family:Georgia,'Times New Roman',serif;font-size:34px;line-height:1.22;font-weight:bold;color:#0B2340;margin:44px 0 16px;\">Your Four-Step Homebuying Plan<\/h2>\n<div class=\"uspr-cols\" style=\"display:flex;gap:14px;margin:0 0 30px;flex-wrap:wrap;\">\n<div class=\"uspr-card\" style=\"flex:1 1 220px;background:#f6f9fc;border:1px solid #e2e9f0;border-radius:16px;padding:22px;\">\n<p style=\"font-family:Georgia,serif;font-size:26px;font-weight:bold;color:#C8A24B;margin:0 0 8px;\">1<\/p>\n<p style=\"font-weight:750;color:#0B2340;margin:0 0 8px;font-size:16.5px;\">Define your profession and goals<\/p>\n<p style=\"margin:0;font-size:15.5px;line-height:1.6;color:#42546a;\">Clarify your licence, career stage, target location, timing, price range and primary-residence plan.<\/p>\n<\/div>\n<div class=\"uspr-card\" style=\"flex:1 1 220px;background:#f6f9fc;border:1px solid #e2e9f0;border-radius:16px;padding:22px;\">\n<p style=\"font-family:Georgia,serif;font-size:26px;font-weight:bold;color:#C8A24B;margin:0 0 8px;\">2<\/p>\n<p style=\"font-weight:750;color:#0B2340;margin:0 0 8px;font-size:16.5px;\">Compare potential loan options<\/p>\n<p style=\"margin:0;font-size:15.5px;line-height:1.6;color:#42546a;\">Ask lenders which exact physician or professional product applies, and request written Loan Estimates.<\/p>\n<\/div>\n<div class=\"uspr-card\" style=\"flex:1 1 220px;background:#f6f9fc;border:1px solid #e2e9f0;border-radius:16px;padding:22px;\">\n<p style=\"font-family:Georgia,serif;font-size:26px;font-weight:bold;color:#C8A24B;margin:0 0 8px;\">3<\/p>\n<p style=\"font-weight:750;color:#0B2340;margin:0 0 8px;font-size:16.5px;\">Review the full cost<\/p>\n<p style=\"margin:0;font-size:15.5px;line-height:1.6;color:#42546a;\">Compare rate, APR, payment, cash to close, reserves, fees and long-term cost &mdash; not only PMI or down payment.<\/p>\n<\/div>\n<div class=\"uspr-card\" style=\"flex:1 1 220px;background:#f6f9fc;border:1px solid #e2e9f0;border-radius:16px;padding:22px;\">\n<p style=\"font-family:Georgia,serif;font-size:26px;font-weight:bold;color:#C8A24B;margin:0 0 8px;\">4<\/p>\n<p style=\"font-weight:750;color:#0B2340;margin:0 0 8px;font-size:16.5px;\">Start your Florida home search<\/p>\n<p style=\"margin:0;font-size:15.5px;line-height:1.6;color:#42546a;\">Work with a local real-estate professional to evaluate homes, neighbourhoods and offer strategy.<\/p>\n<\/div>\n<\/div>\n<div class=\"uspr-cta\" style=\"background:linear-gradient(135deg,#0B2340,#173B66);border-radius:22px;padding:38px 40px;margin:44px 0 34px;\">\n<h2 style=\"font-family:Georgia,'Times New Roman',serif;font-size:30px;line-height:1.25;font-weight:bold;color:#ffffff;margin:0 0 14px;\">Ready to Look at Homes in Florida?<\/h2>\n<p style=\"color:#D6E1EC;font-size:17px;line-height:1.7;margin:0 0 22px;\">Bring us the financing conversation once you have written terms in hand, and we will take it from there &mdash; communities that fit your schedule, showings arranged around your shifts, and an offer strategy built for your timeline. In English, Spanish, Portuguese, Hebrew or Russian.<\/p>\n<p style=\"margin:0;\"><a class=\"uspr-cta-btn\" style=\"display:inline-block;background:#C8A24B;color:#0B2340;font-weight:800;font-size:17px;text-decoration:none;padding:16px 34px;border-radius:999px;transition:background .2s ease;\" href=\"https:\/\/usprimerealty.com\/contact-us\/\">Talk to a Florida Agent<\/a><\/p>\n<\/div>\n<h2 style=\"font-family:Georgia,'Times New Roman',serif;font-size:34px;line-height:1.22;font-weight:bold;color:#0B2340;margin:44px 0 16px;\">Your Next Step<\/h2>\n<p style=\"margin:0 0 20px;\">A physician or professional mortgage can be a powerful tool, particularly when standard underwriting fails to reflect an early-career medical professional&rsquo;s real financial trajectory. It is not automatically the cheapest option, and it is not available on identical terms to everyone who qualifies.<\/p>\n<p style=\"margin:0 0 26px;\">Begin by asking lenders for profession-specific written terms. Compare them using official Loan Estimates. Then, when you are ready to look at property, <a style=\"color:#a9771a;font-weight:750;text-decoration:underline;text-decoration-color:rgba(169,119,26,.5);text-decoration-thickness:1px;text-underline-offset:4px;\" href=\"https:\/\/usprimerealty.com\/contact-us\/\">contact a Florida real estate agent at U.S. Prime Realty<\/a>.<\/p>\n<div class=\"uspr-note\" style=\"background:#f6f9fc;border:1px solid #e2e9f0;border-radius:16px;padding:24px 28px;margin:0 0 34px;\">\n<p style=\"margin:0;font-size:15.5px;line-height:1.7;color:#42546a;\"><strong style=\"color:#0B2340;\">Important programme note:<\/strong> Loan amount, financing percentage, underwriting treatment, eligibility, rate and terms vary by lender and borrower profile. Not every eligible profession receives the same maximum loan or the same conditions. All financing is subject to lender approval. U.S. Prime Realty is a licensed Florida real estate brokerage and is not a mortgage lender; it does not originate loans or issue loan approvals. Equal Housing Opportunity.<\/p>\n<\/div>\n<h2 id=\"faq\" style=\"font-family:Georgia,'Times New Roman',serif;font-size:34px;line-height:1.22;font-weight:bold;color:#0B2340;margin:44px 0 20px;\">Frequently Asked Questions<\/h2>\n<details style=\"border:1px solid #dfe6ed;border-radius:16px;margin:0 0 12px;background:#ffffff;\">\n<summary style=\"position:relative;padding:21px 72px 21px 22px;color:#0B2340;font-family:Georgia,'Times New Roman',serif;font-size:20px;font-weight:bold;line-height:1.35;cursor:pointer;\"><span style=\"display:block;padding-right:4px;\">Can doctors receive 100% financing on a home?<\/span><span class=\"uspr-faq-toggle\" aria-hidden=\"true\" style=\"display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;min-width:36px;border-radius:50%;background:#f7ecd5;color:#8a6014;font-family:Arial,sans-serif;font-size:22px;font-weight:bold;line-height:1;box-shadow:0 3px 10px rgba(6,28,56,.08);\">+<\/span><\/summary>\n<div class=\"uspr-faq-answer\" style=\"padding:0 22px 22px;color:#42546a;border-top:1px solid #edf1f4;\">\n<h3 class=\"tts-ignore\" style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;\">Can doctors receive 100% financing on a home?<\/h3>\n<p style=\"margin:18px 0 0;font-size:16.5px;line-height:1.75;\">Some qualifying physician programmes currently advertise 100% financing for loans up to $1 million. Larger loans, including options up to $2 million, generally require a down payment and remain subject to lender approval.<\/p>\n<\/div>\n<\/details>\n<details style=\"border:1px solid #dfe6ed;border-radius:16px;margin:0 0 12px;background:#ffffff;\">\n<summary style=\"position:relative;padding:21px 72px 21px 22px;color:#0B2340;font-family:Georgia,'Times New Roman',serif;font-size:20px;font-weight:bold;line-height:1.35;cursor:pointer;\"><span style=\"display:block;padding-right:4px;\">Can a physician get 100% financing up to $2 million?<\/span><span class=\"uspr-faq-toggle\" aria-hidden=\"true\" style=\"display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;min-width:36px;border-radius:50%;background:#f7ecd5;color:#8a6014;font-family:Arial,sans-serif;font-size:22px;font-weight:bold;line-height:1;box-shadow:0 3px 10px rgba(6,28,56,.08);\">+<\/span><\/summary>\n<div class=\"uspr-faq-answer\" style=\"padding:0 22px 22px;color:#42546a;border-top:1px solid #edf1f4;\">\n<h3 class=\"tts-ignore\" style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;\">Can a physician get 100% financing up to $2 million?<\/h3>\n<p style=\"margin:18px 0 0;font-size:16.5px;line-height:1.75;\">The verified programme reviewed for this article separates the tiers: no down payment up to $1 million, and low-down-payment options up to $2 million. Do not read the $2 million maximum as a zero-down maximum.<\/p>\n<\/div>\n<\/details>\n<details style=\"border:1px solid #dfe6ed;border-radius:16px;margin:0 0 12px;background:#ffffff;\">\n<summary style=\"position:relative;padding:21px 72px 21px 22px;color:#0B2340;font-family:Georgia,'Times New Roman',serif;font-size:20px;font-weight:bold;line-height:1.35;cursor:pointer;\"><span style=\"display:block;padding-right:4px;\">Do physician mortgage loans require PMI?<\/span><span class=\"uspr-faq-toggle\" aria-hidden=\"true\" style=\"display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;min-width:36px;border-radius:50%;background:#f7ecd5;color:#8a6014;font-family:Arial,sans-serif;font-size:22px;font-weight:bold;line-height:1;box-shadow:0 3px 10px rgba(6,28,56,.08);\">+<\/span><\/summary>\n<div class=\"uspr-faq-answer\" style=\"padding:0 22px 22px;color:#42546a;border-top:1px solid #edf1f4;\">\n<h3 class=\"tts-ignore\" style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;\">Do physician mortgage loans require PMI?<\/h3>\n<p style=\"margin:18px 0 0;font-size:16.5px;line-height:1.75;\">Some physician mortgage programmes advertise no borrower-paid private mortgage insurance. Compare the complete interest rate, fees, monthly payment and total borrowing cost, because no PMI does not automatically mean a cheaper loan.<\/p>\n<\/div>\n<\/details>\n<details style=\"border:1px solid #dfe6ed;border-radius:16px;margin:0 0 12px;background:#ffffff;\">\n<summary style=\"position:relative;padding:21px 72px 21px 22px;color:#0B2340;font-family:Georgia,'Times New Roman',serif;font-size:20px;font-weight:bold;line-height:1.35;cursor:pointer;\"><span style=\"display:block;padding-right:4px;\">Can student loans be excluded from a physician mortgage application?<\/span><span class=\"uspr-faq-toggle\" aria-hidden=\"true\" style=\"display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;min-width:36px;border-radius:50%;background:#f7ecd5;color:#8a6014;font-family:Arial,sans-serif;font-size:22px;font-weight:bold;line-height:1;box-shadow:0 3px 10px rgba(6,28,56,.08);\">+<\/span><\/summary>\n<div class=\"uspr-faq-answer\" style=\"padding:0 22px 22px;color:#42546a;border-top:1px solid #edf1f4;\">\n<h3 class=\"tts-ignore\" style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;\">Can student loans be excluded from a physician mortgage application?<\/h3>\n<p style=\"margin:18px 0 0;font-size:16.5px;line-height:1.75;\">Some lenders offer programme-specific flexibility for qualifying deferred debt or documented income-driven payments. Treatment varies between lenders and must be confirmed directly.<\/p>\n<\/div>\n<\/details>\n<details style=\"border:1px solid #dfe6ed;border-radius:16px;margin:0 0 12px;background:#ffffff;\">\n<summary style=\"position:relative;padding:21px 72px 21px 22px;color:#0B2340;font-family:Georgia,'Times New Roman',serif;font-size:20px;font-weight:bold;line-height:1.35;cursor:pointer;\"><span style=\"display:block;padding-right:4px;\">Can nurse practitioners and physician assistants qualify?<\/span><span class=\"uspr-faq-toggle\" aria-hidden=\"true\" style=\"display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;min-width:36px;border-radius:50%;background:#f7ecd5;color:#8a6014;font-family:Arial,sans-serif;font-size:22px;font-weight:bold;line-height:1;box-shadow:0 3px 10px rgba(6,28,56,.08);\">+<\/span><\/summary>\n<div class=\"uspr-faq-answer\" style=\"padding:0 22px 22px;color:#42546a;border-top:1px solid #edf1f4;\">\n<h3 class=\"tts-ignore\" style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;\">Can nurse practitioners and physician assistants qualify?<\/h3>\n<p style=\"margin:18px 0 0;font-size:16.5px;line-height:1.75;\">Some professional and emerging-professional mortgage programmes include NPs and PAs, but their maximum loan amount, down payment and experience requirements may differ from physician programmes.<\/p>\n<\/div>\n<\/details>\n<details style=\"border:1px solid #dfe6ed;border-radius:16px;margin:0 0 12px;background:#ffffff;\">\n<summary style=\"position:relative;padding:21px 72px 21px 22px;color:#0B2340;font-family:Georgia,'Times New Roman',serif;font-size:20px;font-weight:bold;line-height:1.35;cursor:pointer;\"><span style=\"display:block;padding-right:4px;\">Are physician loans only for first-time homebuyers?<\/span><span class=\"uspr-faq-toggle\" aria-hidden=\"true\" style=\"display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;min-width:36px;border-radius:50%;background:#f7ecd5;color:#8a6014;font-family:Arial,sans-serif;font-size:22px;font-weight:bold;line-height:1;box-shadow:0 3px 10px rgba(6,28,56,.08);\">+<\/span><\/summary>\n<div class=\"uspr-faq-answer\" style=\"padding:0 22px 22px;color:#42546a;border-top:1px solid #edf1f4;\">\n<h3 class=\"tts-ignore\" style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;\">Are physician loans only for first-time homebuyers?<\/h3>\n<p style=\"margin:18px 0 0;font-size:16.5px;line-height:1.75;\">Not necessarily. Eligibility depends on the lender and the programme. Many programmes focus on a primary residence rather than requiring first-time buyer status.<\/p>\n<\/div>\n<\/details>\n<details style=\"border:1px solid #dfe6ed;border-radius:16px;margin:0 0 12px;background:#ffffff;\">\n<summary style=\"position:relative;padding:21px 72px 21px 22px;color:#0B2340;font-family:Georgia,'Times New Roman',serif;font-size:20px;font-weight:bold;line-height:1.35;cursor:pointer;\"><span style=\"display:block;padding-right:4px;\">Is U.S. Prime Realty a mortgage lender?<\/span><span class=\"uspr-faq-toggle\" aria-hidden=\"true\" style=\"display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;min-width:36px;border-radius:50%;background:#f7ecd5;color:#8a6014;font-family:Arial,sans-serif;font-size:22px;font-weight:bold;line-height:1;box-shadow:0 3px 10px rgba(6,28,56,.08);\">+<\/span><\/summary>\n<div class=\"uspr-faq-answer\" style=\"padding:0 22px 22px;color:#42546a;border-top:1px solid #edf1f4;\">\n<h3 class=\"tts-ignore\" style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;\">Is U.S. Prime Realty a mortgage lender?<\/h3>\n<p style=\"margin:18px 0 0;font-size:16.5px;line-height:1.75;\">No. U.S. Prime Realty is a licensed Florida real estate brokerage. It can guide the property search and the transaction, while mortgage qualification and approval are handled by lenders.<\/p>\n<\/div>\n<\/details>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Doctor in Florida Can Buy a Home With Up to 100% Financing &mdash; Here&rsquo;s How Florida Physician Home Financing What if the years you invested in medicine did not have to delay owning a home? 100% financing for doctors in Florida exists: qualifying physicians can access it on loans up to $1 million, while low-down-payment [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":198683,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[402],"tags":[],"coauthors":[662],"class_list":["post-198673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/usprimerealty.com\/wp-json\/wp\/v2\/posts\/198673","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usprimerealty.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usprimerealty.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usprimerealty.com\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/usprimerealty.com\/wp-json\/wp\/v2\/comments?post=198673"}],"version-history":[{"count":5,"href":"https:\/\/usprimerealty.com\/wp-json\/wp\/v2\/posts\/198673\/revisions"}],"predecessor-version":[{"id":198726,"href":"https:\/\/usprimerealty.com\/wp-json\/wp\/v2\/posts\/198673\/revisions\/198726"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/usprimerealty.com\/wp-json\/wp\/v2\/media\/198683"}],"wp:attachment":[{"href":"https:\/\/usprimerealty.com\/wp-json\/wp\/v2\/media?parent=198673"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usprimerealty.com\/wp-json\/wp\/v2\/categories?post=198673"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usprimerealty.com\/wp-json\/wp\/v2\/tags?post=198673"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/usprimerealty.com\/wp-json\/wp\/v2\/coauthors?post=198673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}